United Overseas Maid Insurance

Many families in Singapore today are totally dependent on maids for their household activities. Many such maids are not originally from Singapore and you will have to mandatorily purchase maid insurance with a personal accident coverage of at least S$60,000 and a medical coverage of at least S$15,000. In Singapore, maid insurance is usually offered together with a security bond of S$5,000.

United Overseas Insurance offers a package insurance plan known as the United Foreign Domestic Worker Insurance that fulfils the latest requirements set by the Ministry of Manpower (MOM). In addition to the basic coverage, you and your maid will also get other insurance benefits such as special grant, repatriation benefits, termination expenses, and more.

Key Highlights of United Foreign Domestic Worker Insurance

Some of the key highlights of the United Foreign Domestic Worker Insurance are as follows:

Insurance Benefits Standard Plan (S$
For Ministry of Manpower

Letter of Guarantee

Excess: S$250 to be paid by the insured

Special Extension: Letter of Guarantee Protector

Up to 5,000
For Foreign Domestic Worker
Foreign maid’s personal belongings Up to 300
Surgical expenses and/or hospitalisation limit per year Up to 15,000
Repatriation expenses Up to 10,000
Special Grant Up to 1,000
Personal Accident (throughout the world)
Chiropractic treatment and/or Traditional Chinese Medicine Up to 350
Medical expenses Up to 2,000
Permanent disablement subject to the schedule of benefit Up to 60,000
Accidental death Up to 60,000
For Employer
Foreign maid’s liability Up to 5,000
Care benefit against abuse by the maid Up to 2,000
Replacement benefit Up to 350
Termination expenses Up to 350
Temporary alternate arrangement, for a period of up to 30 days Up to 20 per day
Reimbursement of salary paid, for a period of up to 30 days Up to 30 per day

Premiums That You Will Have to Pay

This policy offers a single cover of 26 months and is only available in one plan - the Standard Plan. Here are the premiums payable:

Plan/Cover Premium Payable
Standard Plan S$268.45 (includes 7% GST)
Optional Cover - Insurance Bond Payable to POLO (Philippines Overseas Labour Office)
Bond amount worth S$2,000 S$35
Bond amount worth S$7,000 S$70

General Exclusions 

With the United Foreign Domestic Worker Insurance, you will not get any coverage in the following instances:

  • Act of terrorism.
  • If your maid is above 60 years of age.
  • War and kindred risks.
  • Any claim arising under workmen’s compensation law.
  • Major loss of any kind or description.
  • Accident taking place when you have taken a flight other than a fare paying passenger in an authorised aircraft of an airline.
  • Any claim made as a result of suicide or attempted suicide.
  • A claim made when the person insured is involved in dangerous sports such as motor sports, rock climbing, water skiing, underwater activities, and aerial activities.
  • Any claim which is made due to self-inflicted injuries.
  • Pregnancy and any other complications arising out of it, cosmetic surgery, dental surgery, eye test, and vision care.
  • Pre-existing medical conditions unless your maid has been constantly insured with UOI for more than twelve months.

Things to Consider Before You Apply for the United Foreign Domestic Worker Insurance

Before you go ahead and buy this insurance policy, you will have to take into consideration, the following factors:

  • The premium that you will have to pay for this insurance will not be guaranteed and is likely to be raised at the time of renewal.
  • You and your maid will have to take all necessary precautions to avoid any illness, sickness, or accident.
  • If you have any other insurance policy for the same accident or illness, UOI will pay only the rateable proportion of such claim.
  • You will not be paid any amount if UOI finds out that the claim is fraudulent, supported by false declaration, or has been exaggerated intentionally.

Here’s How You Can Buy The Foreign Domestic Worker Insurance 

To purchase this insurance policy you can visit the official website of UOI and click on the ‘Buy Now’ button. You will be directed to a page where you will have to enter details such as your plan duration and the start and end date after which you will get a quotation. You will have to select the plan following which you can make the payment.

How Can You Make a Claim?

If you wish to make a claim, you will have to provide a written notice of the event and must give UOI a notice of 30 days within the occurrence of the event. You will have to complete a claim form and send it along with other relevant documents to the office of UOI at United Overseas Insurance Limited, 3 Anson Road #28-01 Springleaf Tower, Singapore 079909 Attention: The Claims Department.

You must also provide UOI all the necessary documents including certificates, reports, and evidence. The benefits payable as part of the claim shall not carry interest. Your maid may have to undergo a medical examination by UOI’s medical advisor.

How to Terminate United Foreign Domestic Worker Insurance 

The United Foreign Domestic Worker Insurance will be terminated when UOI receives the discharge notice given by Ministry of Manpower during the insurance period. If such an event takes place, you will be entitled to a premium refund as per the table given below:

Discharge Date Percentage of Premium Refund
More than 180 days from the date of the policy No refund
Between 91 and 180 days from the date of the policy 30%
Between 61 and 90 days from the date of the policy 60%
Between 32 and 60 days from the date of the policy 80%
Within 31 days from the date of the policy 85%

You will not get any refund if a claim is made under this policy. The premium refund for the termination of the bond to the Philippine Overseas Office before it expires is subject to a minimum premium of S$35.

Hotline 

If you have any queries regarding this insurance policy, you can call 62227733 from Monday to Thursday between 8:45 a.m. and 5:45 p.m. and on Friday between 8:45 a.m. and 4:45 p.m. The number is not available on weekends and public holidays.

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